| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | $27K | $59K | 4.83% |
| ALLIANT INSURANCE SERVICES, INC.3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | — | $19K | 1.52% |
| MESIROW INSURANCE SERVICES INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.26% |
| ASPIRA, INC. OF IL3 | 3013 NORTH MONTICELLO CHICAGO, IL 60618 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $4K | $3K | $8K | 10.02% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 5444 WESTHEIMER ROAD SUITE 800 HOUSTON, TX 77056 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 7.52% |
| CRISTINA N BETANCES3 | 5448 NORTH KIMBALL AVENUE APARTMENT 1 CHICAGO, IL 60625 | AFLAC | $678 | $81 | $759 | 4.37% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $725 | $19 | $744 | 4.28% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE INC | 321 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $606 | — | $606 | 3.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 321 NORTH CLARK STREET CHICAGO, IL 60654 | AFLAC | $304 | — | $304 | 1.75% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $267 | $19 | $286 | 1.65% |
| ALFREDO MALDONADO JR3 | 228 NORTH OAK PARK AVENUE APARTMENT 1L OAK PARK, IL 60302 | AFLAC | $5 | — | $5 | 0.03% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | PO BOX 8299 PASADENA, CA 91109 | VISION SERVICE PLAN | $568 | — | $568 | 5.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 166 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 166 | $1.2M |
| Vision | VISION SERVICE PLAN | 101 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 158 | $76K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 158 | $76K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 158 | $76K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 158 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.